You only get to make this decision once.
Before you accept a cash offer, sign a modification, or walk away — understand every option actually available to you. A free, confidential consultation with specialists who have handled distressed home sales for 20+ years.
You have probably been reading about this late at night, on your phone, without telling anyone. You may have stopped opening some of the mail.
That is an ordinary way to react to this, and it is not the part that decides how it ends. What decides that is whether you understand your options before you pick one.
Which one is you?
Start wherever you actually are. Each one covers what usually happens next and what tends to be possible.
Behind on payments
You have missed one or more payments, or you are about to.
Facing foreclosure
A notice has arrived, or a sale date has been set.
Divorce
Two people qualified for the mortgage. Now one household has to carry it.
Death of a co-borrower
The person you shared the mortgage with is gone, and one income cannot cover it.
Job loss or income drop
Unemployment, reduced hours, lost commission, or a contract that ended.
Underwater on the mortgage
The balance is higher than the value, whether or not you are behind.
Need to sell fast
Speed matters, and there is real equity you could lose getting it.
Inherited a house
A property came to you through an estate, with a mortgage or costs attached.
A rental I can't carry
Tenants who stopped paying, cash flow gone negative, or an investment you want out of.
20+
Years of Experience
1,000+
Homeowners Served
Most people call the wrong person first.
A regular real estate agent
They'll tell you to list it.
A "we buy houses" investor
They'll offer you cash under market.
Your mortgage servicer
You'll get their loss-mitigation menu.
A bankruptcy attorney
You'll hear about bankruptcy.
Every one of those is the right answer — for somebody. The hard part is knowing which one is you. That is the conversation we have, before anyone asks you to sign anything.
The options on the table
Which of these fits depends on numbers we would need to look at with you — what you owe, what it is worth, what changed, and how much time is left.
Reinstate the loan
Pay the arrears in a lump sum and the loan returns to normal. Rarely available, but the cleanest outcome when it is.
Loan modification
The servicer permanently changes your terms. Helps when income has recovered; does nothing about a balance you cannot carry.
Forbearance or repayment plan
A temporary pause or a catch-up schedule. Buys time, and the time has to be worth something.
Sell with equity
A conventional sale. If the house is worth more than you owe, this is usually the best financial outcome available.
Sell to a cash buyer
Fast and certain, at a discount. Right under real time pressure, expensive when the pressure was not real.
Short sale
Sell for less than the balance with the lender’s approval. Slower, and the deficiency terms matter more than the price.
Deed in lieu of foreclosure
Hand the property back by agreement. Simpler than foreclosure; not always accepted, and not always better than selling.
Bankruptcy
Chapter 7 and Chapter 13 do very different things to a house. This is an attorney’s call, not ours.
Let it go to foreclosure
Sometimes the least bad option, and almost nobody will tell you when. We will.
What happens when you reach out
It is free, it is confidential, and it is not too late more often than people expect. You are not committing to anything by finding out.
You tell us what happened
What you owe, roughly what the place is worth, what changed, and what mail has arrived. If you do not know some of it, that is fine — most people do not.
We lay out every option
All of them, including the ones that are bad for us and the ones that mean doing nothing. You will hear the trade-offs, not a pitch.
You decide, on your timeline
Nobody asks you to sign anything on this call. There is nothing to sign with us at all.
We connect you to the right specialist
An agent who handles distressed sales, a short sale or loan modification attorney, or a bankruptcy attorney — whichever your situation actually calls for.
Talk it through with someone who has seen this before.
We will look at your situation, tell you what your options actually are, and be honest about which ones are worth considering. There is no cost, and there is nothing to sign.
Not ready to pick a time? Use the form instead.
You have more options than you have been told.
It costs nothing to find out what they are.